HOLIDAY PERSONAL LOAN PROMOTION

Are you looking for extra cash to cover bills, vacation, holiday expenses etc?
We are offering a special unsecured personal loan rate
November 1st - December 31st, 2021.

Borrow a minimum of $1,000* new unsecured money during the promotional
period and get a rate as low as 5.99% APR* for 24 months.    
That is a savings of 3% off the normal APR!!!

APR=Annual Percentage Rate.  Loan must be a minimum of $1,000 or greater in new money.  Loan refinances are not
eligible for this promotion.  Rates are subject to change without notice.  All current qualifying lending criteria must be met. 
Applicable loan interest rate is based on current credit score.  Promotion period 11/01/21-12/31/21. 
Application must be submitted to and received by TCSECU by NOON (CST) on 12/31/21 to be eligible for the loan promotion.  

In observance of Christmas and New Year's,

our office will have the following hours:

CHRISTMAS EVE - CLOSE AT NOON
CHRISTMAS DAY - CLOSED

NEW YEAR'S EVE - CLOSE AT NOON
NEW YEAR'S DAY - CLOSED

We wish you and yours a joyous holiday season!!

SKIP A PAYMENT

NEED EXTRA CASH?

Wouldn’t it be nice to put off your loan payment for a month? 
You could use the extra cash for gifts, vacation, bills etc. 
Whatever the reason the Loan Payment Skip Program is here
for the month of December and it’s only $25 per loan! 

Any money that would normally be applied to the loan in December would be skipped. 

Drop the form(s) and fee(s) off at our office BEFORE the money is scheduled to be applied
to our loan in December.

You must meet the eligibility requirements on the form in order to skip a payment.
Contact our office at 347-6013 if you have any questions.

Click on the link for the Skip a Payment form.  

TRY OUR CONVENIENT MOBILE BANKING APP

To download our mobile app on an Android device, search Google Store Play and for Apple devices search the Apple App store. Search TCSECU and click on install. Once it is installed, click on the icon and enter the same Logon ID (if your Logon ID is your account number, you must enter 6 digits beginning with preceding zeroes before your account number) and the password you use for Virtual Branch. You must be enrolled in Virtual Branch before you can use the TCSECU App. You are also able to set up Alerts to appear on your phone through Virtual Branch.

Simply log into your TCSECU APP with your Virtual Branch (online) Logon ID and password.  To make a deposit thru the APP, you will need to click on the DEPOSIT tab at the top of the screen.  You will select the account/suffix you want the funds deposited to.  Enter the check amount.  Note: if you are depositing more than one check, you will need to go thru the process for each check separately.  Endorse the check by writing FOR MOBILE DEPOSIT TCSECU then sign your name underneath the words.  Once you have entered the account and check amount, you will take a photo of the front and back of the check.

  TIPS FOR DEPOSITING CHECKS:
   *  Endorse the backside of your check(s) by printing the words “For Mobile Deposit TCSECU” and signing  your name
      underneath your print words.
  *  If you have several checks to deposit, you will need to take a picture with your phone of each check individually
      and enter the amount for each check individually.
  *  Take a picture of the check in a well-lit area with the check laying on a hard surface that is darker than the check
      for good contrast.  Make sure the picture of the check is clear, in focus and that all four corners of the check are
      in the picture.
  *  You can deposit checks with an amount up to $750 with a total daily limit of deposits up to $1,200.   
  *  Third party checks are not accepted.  These are checks made payable to someone else who has signed the check
      over to you and you deposit the check into your account.
  *  Make sure the checks are not STALE DATED.  For example, if wording on the check says the check is void after 90
      days, the check is stale dated (not accepted by the issuing bank) after 90 days of the issue date on the check.     
      Since there is a delay between the time the check is remotely deposited and the date it is ran thru the bank it was
      drawn on, you should not remotely deposit checks that are within 5 days of the void date.  If you find yourself with
      a stale dated check, you will need to contact the person/business who issued the check to get a replacement
      check.  

The Mobile APP will also provide you with information on account balances, transaction history and allow you to transfer funds between your own accounts.

Download our MOBILE APP today!!

STATE OF ILLINOIS

COMMUNITY REINVESTMENT NOTICE

 The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households.  The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department.  Your involvement is encouraged.  You may obtain a copy of our evaluation once the Department completes our first evaluation.  You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.  We will update this notice when our first evaluation has been issued.

NOTICE TO CREDIT UNION MEMBERS REGARDING UNCLAIMED PROPERTY

The State of Illinois has enacted a new law governing unclaimed property held in the State.  The Revised Uniform Unclaimed Property Act went into effect on January 1, 2018.  Under this Act, the presumptive period of abandonment for deposit accounts changed from 5 years to 3 years.

As a result, accounts without any owner activity for a 3-year period will be turned over to the Illinois State Treasurer’s Office, upon completion of the owner notification procedure and subject to the criteria set forth in the Act.

Share ‘A’ savings accounts that have had no deposit, withdrawal or transfer activity for 12 months will be considered an Inactive Account. A $6.00 quarterly inactive fee will be accessed on these accounts. To avoid a quarterly fee, you must make a deposit, withdrawal or transfer on the account once every 12 months (on a rolling calendar, not calendar year). The transaction can be as little as $1.00. Dividends and Inactivity fees do not count as activity.